3.2% of MI total
Avg: $91,934 per loan
$44M outstanding
94.2% forgiveness rate
PPP Program Overview: Flint, MI
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed approximately 9,020 Paycheck Protection Program loans in the Flint metropolitan area, totaling $829M. These loans supported approximately 71K jobs in the local economy during the COVID-19 pandemic.
Of these loans, 8,496 (94.2%) were fully forgiven. However, 524 loans totaling $44M remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
Flint is part of Michigan, which has a Medium enforcement risk classification. The DOJ PPP Strike Force operates nationally, with particular focus on major metropolitan areas where loan volumes and dollar amounts are highest.
Enforcement Risk in Flint
Flint has moderate PPP enforcement activity. While not among the highest-priority metros, the DOJ and SBA OIG maintain active investigations in this area. Borrowers with loans over $150,000 or those with discrepancies in their applications should be particularly vigilant.
The False Claims Act statute of limitations extends through 2030-2031 for PPP loans. This means new enforcement actions can still be initiated against Flint borrowers for several more years.
Flint vs. Michigan Average
Frequently Asked Questions: PPP in Flint
How many PPP loans were issued in Flint, MI?
Flint, Michigan received approximately 9,020 PPP loans totaling $829M between April 2020 and May 2021. The average loan size was $91,934, supporting approximately 71K jobs in the Flint metro area.
How many PPP loans in Flint were not forgiven?
Approximately 524 PPP loans in the Flint metro area (5.8% of total) were not forgiven, representing $44M in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP enforcement risk in Flint?
Flint is in a "Medium" enforcement risk area. The DOJ PPP Strike Force and SBA OIG maintain active investigations in major metro areas. Borrowers in Flint with unforgiven loans or application discrepancies should be aware of ongoing enforcement activity through 2030-2031.
Can I still face a PPP audit in Flint in 2026?
Yes. The False Claims Act has a 6-10 year statute of limitations. Since PPP loans were issued in 2020-2021, enforcement actions can continue through 2030-2031. Flint borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
524 Flint area borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
Other Cities in Michigan
View all Michigan data →Data Sources: U.S. Small Business Administration PPP Data Reports, PandemicOversight.gov, U.S. Treasury Department. Metro-area estimates derived from state-level data with population-weighted distribution. Last updated May 2026.